Lead Data Analyst, MyPay

Chime; San Francisco (CA); On-site; USD 120,000 - 150,000; Full time

Job summary

Chime in San Francisco is looking for a Lead Data Analyst of Credit Risk. In this role, you will oversee the risk strategy for MyPay, a service offering early access to earned wages. You will balance rapid growth with effective risk management, lead a team of analysts, and collaborate with various departments to ensure integration of risk strategies.

The ideal candidate will have 7+ years of relevant experience, expert SQL skills, and proficiency in Python for data analysis and experimentation.

Qualifications

• 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending.
• Expert-level proficiency in SQL for complex data extraction and manipulation.
• Strong programming skills in Python for data analysis and predictive modeling.

Responsibilities

• Lead risk strategy for MyPay, managing underwriting, limit assignment, and loss forecasting.
• Design and analyze A/B tests to optimize credit limits and user experience.
• Utilize advanced statistical modeling to enhance predictive models.

Skills

Credit risk analysis

SQL

Python (Pandas, NumPy, Scikit-learn)

A/B testing

Statistical analysis

Data visualization

Job description

Requirements

• Experience: 7+ years of experience in credit risk, data science, or advanced analytics, preferably within consumer lending, fintech, or earned wage access (EWA)
• Technical Expertise: Expert-level proficiency in SQL for complex data extraction and manipulation
• Strong programming skills in Python (Pandas, NumPy, Scikit-learn) for data analysis and predictive modeling
• Experimentation Mastery: Deep hands‑on experience designing, launching, and analyzing A/B tests and multivariate experiments, with a strong grasp of underlying statistical concepts
• Domain Knowledge: Solid understanding of consumer credit risk principles, loss forecasting, and unit economics
• Communication: Exceptional ability to translate complex data and technical concepts into actionable, high-level strategies for executive stakeholders

What the job involves

• We are looking for a highly analytical and strategic Lead Data Analyst of Credit Risk to lead risk strategy for MyPay, Chime’s innovative product that provides members with early access to their earned wages. In this role, you will be the cornerstone of our MyPay risk function, balancing rapid product growth with responsible risk management and loss mitigation
• You will sit at the intersection of credit risk strategy and data science. You will own the underwriting, limit assignment, and loss forecasting strategies for MyPay, leveraging your deep technical expertise to build data-driven solutions. You will also directly manage, mentor, and grow a team of talented Data Analysts to execute on complex analyses and experimentation
• Drive Risk Strategy: Support the end‑to‑end credit risk lifecycle for the MyPay product, including underwriting policies, dynamic limit assignments, and repayment strategies
• Lead Experimentation: Design, execute, and analyze rigorous A/B tests to optimize credit limits, user experience, and risk/reward trade‑offs
• Leverage Data Science: Utilize advanced statistical modeling and data science techniques to identify new risk signals, improve predictive models, and automate risk decisioning
• Cross‑Functional Collaboration: Partner closely with Product Management, Engineering, Data Science, and Finance to integrate risk strategies seamlessly into the member experience and align on financial targets
• Monitor & Report: Develop robust dashboards and reporting frameworks to track portfolio performance, loss metrics, and the financial health of the MyPay program